United States · https://decisionscalc.com/tools/australia-super-guarantee-calculator/
Super guarantee calculator: what your employer pays in 2026-27
From 1 July 2026 your employer pays 12% of your qualifying earnings into super every payday, up to $270,830 of earnings a year. See the amount each payday, what reaches your fund after the 15% contributions tax, and how much room is left under the $32,500 concessional cap for salary sacrifice.
Super guarantee a year
You could salary sacrifice up to $20,500 more this year without going over the cap.
Frequently asked questions
What is the super guarantee rate in 2026-27?
12% of your qualifying earnings, the same as 2025-26. From 1 July 2026 employers must pay it each payday (Payday Super) instead of each quarter.
Is there a maximum?
Yes. Your employer does not have to pay super guarantee on earnings above the maximum contribution base, $270,830 for 2026-27, so the most anyone receives as super guarantee is about $32,500 a year.
What is the concessional contributions cap?
$32,500 for 2026-27 (up from $30,000). It covers your employer's super guarantee and any salary sacrifice or personal contributions you claim a deduction for. Above it, the excess is taxed at your marginal rate.
How much tax does my fund pay on it?
Usually 15% on concessional contributions as they go in. If your income plus concessional contributions are above $250,000, Division 293 adds another 15% (not included here).
Related
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